I just requested a CLI on my 5 1/2 month old Barclay's Juni.
They told me they would be looking at my credit, and I anticipated a hard pull. At that time I had no inquiries on TU, so I was comfortable with that.
They pu me on hold, and came back with approved CLI. And guess what - no hard pull!
I think it may be simplier than that. Many of them are not really wanting to issue CLI's and requiring a Hard Pull will make a lot of people think twice before agreeing to that. Just a thought.